In terms of the agreement, the exclusion of RRSPs, TFSAs, and those kinds of accounts from the exchange and limiting certain small deposit-only institutions was an important narrowing of the scope of the exchange. Also, the mechanics of the exchange in terms of the timing of when the CRA would receive the information from the banks and the scope of the information we would receive were important aspects of the exchange itself.
Could you repeat the second part of your question?